Partners
Capital Federal Credit Union
Are you searching for a mortgage loan officer who understands that every client is unique, each with their own dreams and aspirations? Well, I am here to guide you through the exciting journey of homeownership.
With a passion for helping my clients secure their dream homes and invest in their future, I bring a personalized touch to the mortgage industry with honesty and integrity, consistent communication, and being available to answer any question you may have. I understand that the world of mortgages can be overwhelming, and I’m dedicated to being my clients’ trusted loan advisor. Whether you’re curious about the industry’s lending rates, need help with paperwork, or simply want to discuss your options, I am here to provide guidance and answers.
Our loan programs
Buying a home can be overwhelming. There are so many financing options, offered by so many different banks, lenders, and brokers. Don’t stress yourself out trying to find the perfect product and perfect rate on your own – that’s what we’re here for! Contact us today to start a conversation about which loan option is right for you.
We offer homes loans in 50 states.
Just a few of our loan programs
Conventional
A Conventional Purchase is a “traditional” mortgage with as little as 3% down payment, requiring no upfront mortgage insurance fees and cancellable monthly private mortgage insurance. Both Fixed Rate & Adjustable Rate Mortgage options are available.
FHA
If you’re a first-time homebuyer and your credit score isn’t great, an FHA loan may be a great option for you. FHA loans allow for as little as 3.5% down and have options available for buyers with credit scores as low as 580.
VA
Veterans and active duty military may qualify for 100% financing (0% down payment) with no monthly mortgage insurance through the VA loan program.
USDA Loan Eligibility Requirements
USDA eligibility starts with location, but also includes income limits. Generally, to be eligible for a USDA loan, you cannot make over 15% more than the local median salary. Your USDA loan application will need to reflect your income.
The USDA rural housing loan has additional requirements such as having proof of a steady job and income, as well as a FICO®* credit score of at least 640 and a debt-to-income ratio of 41% or less.
We also work with clients looking to purchase manufactures home loans.
Zondra Hall, Mortgage Loan Originator
(910)745-2497
Corporate MLO#2565289
Capital Federal Credit Union
Main Office
4210 50th St Suite E Lubbock, TX 79413
Be sure to add Zondra Hall as your Mortgage Loan Originator
Visit our website
https://capitalfcu.mortgagewebcenter.com/responsive/#/ApplyNow